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A Canadian citizen at the time of application2
From age 18 to 54 on the Insured Person’s Effective Date
Must never have been diagnosed with life threatening cancer, a heart attack or stroke, and
Must never have been under investigation for, consulted for or had symptoms for having cancer, a heart attack or a stroke within the last 6 month prior to the effective date.
Monthly premium for the first 10 years of coverage
Frequently asked questions
1. What does the TD Critical Illness Recovery Plan cover?
Our plan provides coverage for life-threatening cancer, heart attack, and stroke.
2. What benefits does the TD Critical Illness Recovery Plan offer?
The TD Critical Illness Recovery Plan provides a lump sum payment for you to use however you choose, should you be diagnosed with life-threatening cancer, or suffer a heart attack or a stroke.
You could also use the lump sum payment for treatment or recovery costs or to replace your income if you are unable to work.
3. How much Critical Illness Insurance do I need?
The amount of coverage you need depends on your specific circumstances. A first step you can take to find out how much coverage you need is to determine how much money your loved ones would need to support you financially while you recover from a Critical Illness that's covered in your insurance certificate. You can consider factors such as:
- Lost income
- Outstanding loans and debts
- Your children’s education costs and
- Your family’s lifestyle.
Or you could speak to one of our TD Insurance licensed advisors who can guide you through your option by calling 1-888-788-0839 from Monday to Friday: 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST
4. Does Critical Illness Insurance cover accidents?
Our Critical Illness Recovery Plan covers only the critical illnesses specified in the policy documents and stated below:
- life-threatening cancer,
- heart attack or
For more information on covered illnesses and exclusions, see the Sample Insurance Policy.
5. Are there any exclusions to the coverage?
There are some situations where a benefit won't be paid, including but not limited to self-inflicted injuries, suicide, criminal activity, and the use of illegal drugs or substances.